About HCU

Since 1949, we have provided our members with a place to save their hard-earned money and earn excellent dividend rates on those savings, while offering loans at the lowest rates possible. Our sole purpose is to help our member-owners with all their financial needs through all walks of life.

Our Purpose

Hometown Credit Union is a financial cooperative which is owned and operated for its members’. We seek to promote thrift and economic development of our trade area. We strive to provide the best possible financial services to meet members’ needs. Hometown Credit Union seeks to grow while maintaining its long-term financial stability. 

Our Values

• Committed to balancing members’ needs with financial soundness
• Reliable in being available, offering competitive products, and resolving issues
• Respectful of members’ time and needs, and each others
• Responsive to members and each other
• Quality oriented in service and products, and in our work with each other

MEMBERSHIP IS OPEN

Anyone who lives within a 75 mile radius of our Kulm, or 50 mile radius of our Hazelton, ND offices.

 “ONCE A MEMBER, ALWAYS A MEMBER” –  Your financial and economic interests will continue to be a matter of personal and direct concern to your Credit Union, even if life takes you away from your hometown. All of our services remain at your disposal and we hope you will continue to make full use of them.

Your savings are secure and are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), an arm of NCUA. The NCUSIF is backed by the full faith and credit of the United States government. Your IRA retirement accounts are insured up to $250,000. Click here for more details.

In true cooperative spirit…More than 186 million people worldwide belong to a credit union just like Hometown Credit Union. When you go to the credit union, you’re not just a customer-you’re a member. It really is “your credit union.” Banks belong to shareholders, hoping to profit from your transactions. At a credit union, any earnings are returned to you in the form of better rates on loans and savings. Your voice is heard through our volunteer Board of Directors who are elected by you and other members of Hometown Credit Union. As a not-for-profit financial cooperative, your funds are invested locally, helping other member owners from our community.

Local Roots. Shared Values. Better Banking.

At Hometown Credit Union, we believe banking should be about more than money. It should be about people, relationships, and helping our communities thrive.

A credit union is a member-owned financial cooperative. Unlike traditional banks, which are owned by investors, credit unions are owned by the people who use their services. That means our focus is on serving our members, not outside shareholders. When you become a member of Hometown Credit Union, you’re more than an account number. You’re part of a financial cooperative built around the communities we call home.

What Makes a Credit Union Different?

Credit unions offer many of the same financial products and services as traditional banks, including savings accounts, checking accounts, and loans. The difference is in how we operate and who we serve.

As a not-for-profit financial cooperative, our earnings are used to benefit our members through competitive rates, affordable services, and continued investments in the credit union. It’s a simple idea built on a powerful principle: People Helping People.

Who Can Join Hometown Credit Union?

Our roots run deep in south-central North Dakota, and we’re proud to serve the people who live in our local communities.

Membership at Hometown Credit Union is open to individuals who meet our field-of-membership requirements, including those living within a 75-mile radius of Kulm or a 50-mile radius of Hazelton, North Dakota.

Whether you’re saving for the future, purchasing your first home, growing your business, or financing your next farming operation, we’re here to help you move forward.

Member-Owned. Member-Focused.

One of the things that makes a credit union unique is that our members have a voice in how we operate.

Hometown Credit Union is governed by a volunteer Board of Directors elected by our membership. Each member has one vote, regardless of how much money they have on deposit. Our Board helps guide the credit union’s direction, ensuring that decisions are made with our members’ best interests in mind.

It’s local leadership with a shared commitment to the people and communities we serve.

Built on Cooperative Values

Credit unions were founded on the belief that people can accomplish more when they work together. That philosophy continues to guide us today.

At Hometown Credit Union, we’re proud to uphold the cooperative principles that make credit unions different:

• People Helping People: Working together to support the financial well-being of our members.
• Member Ownership: Giving every member a voice and a stake in their credit union.
• Financial Well-Being: Providing access to financial services that help members reach their goals.
• Community Commitment: Supporting the local families, businesses, farms, and organizations that make our communities stronger.
• Service Before Profit: Putting the needs of our members at the center of what we do.

Your Money Is Protected

Your financial security matters to us. Hometown Credit Union is regulated and federally insured by the National Credit Union Administration (NCUA), an agency of the United States government. Your deposits are federally insured up to at least $250,000, with additional coverage available for certain account ownership categories.

Learn more about deposit insurance and credit unions at MyCreditUnion.gov.

Proud to Be Your Hometown Credit Union

Since 1949, Hometown Credit Union has been committed to serving our members and strengthening the communities we call home. We’re proud of where we started, the relationships we’ve built, and the opportunity to continue serving generations of members.

Hometown Credit Union. Invested in You. Because We Live Here, Too.

Join Our Team

Want to help people achieve their financial dreams? We are always searching for hardworking, personable and highly motivated individuals who share our goals, values and the enthusiasm to join our team.

Working together, we operate a fun and family-oriented work environment where every associate has the opportunity to learn and grow in their career. 

CURRENT JOB OPENINGS:

We are seeking full-time employees in the following positions and locations:

Member Service Representative – full time – Lincoln

For consideration send cover letter and resume to:
Hometown Credit Union
Attn: Human Resources
PO Box 230
Ashley, ND 58413
abby@hcuonline.com

We are an Equal Opportunity Employer